Halifax PPI 2004, was it mis-sold?

[Deleted User]

Aidan wrote: »

What would be evidence of crossing the line? Just out of interest.

There can't be any unless you have recordings of what was said and how it was said (unlikely I know). If the Bank's sales script from the time shows no technical fault then this will be accepted as having been adhered to both by the Bank and FOS.


It's not by accident that the vast majority of mortgage PPI complaints are not upheld.

dunstonh

Dont know to be honest, dont know what the line is.

There is no line on paper. Disturbance should be enough to make you feel uncomfortable about the consequences of a claimable event should you not have cover in areas of need. I have seen a meeting where someone was in tears but it didnt cross the line. She just got upset with the scenarios.

Crossing the line is not leaving the house. Or not taking no for answer.

Complaints about being pushy tend to be treated based on timescale. Someone who complains after a few days/weeks tends to be credible even though there is no evidence to back it up. Someone that complains nearly a decade later is not at all credible.

magpiecottage

Aidan wrote: »

I know she crossed the line on the mortgage itself, that is a fact

No - it is a fact that you were put into the position you would have been if you had taken out a repayment mortgage at outset. That is rather different.

In many cases - probably the majority I have seen - the documentation showing that the borrower was made aware of, and accepted, the risks at outset could not be found at the time of the complaint so the firm was forced to uphold it.

However, with a nine month wait before receiving state assistance with mortgage repayments and lenders starting possession proceedings after three, it is difficult to see how not recommending it is not good advice for most borrowers.

What would be evidence of crossing the line? Just out of interest.

Only really a statement that was untrue. For example, if an adviser told a borrower there was a nine month wait today (when it is just three months).

As far as disturbing somebody is concerned, have you seen those adverts showing people zigzagging across half barrier level crossings?

Or children killed by drunk drivers?

I find those scenarios far more disturbing than an eviction but they are allowed on television.